Chennai, Tamil Nadu, India
Senior Product Manager with 10+ years of experience building and scaling B2B and B2C fintech products across credit cards, lending, underwriting, and payments. Proven track record of leading platform products for banks and NBFCs, driving revenue growth, cost optimization, and regulatory compliance at scale. Strong in product strategy, 0→1 launches, cross-functional leadership, and data-driven decision-making. Keen to have a connect? Reach out to me in here or drop me a note @[email protected]
Managed the product vision and strategy for the underwriting, KYC and sign up journey aimed at optimizing the B2C user funnel. • Built an upfront earned wage credit withdrawal model in accordance to each employer’s credit limit configuration simulating a salary advance feature for registered employees – improved monthly revenue by around 18% • Handled Bureau soft-pull integrations to simplify the user journey aimed at significantly improving the user journey and sign up to underwriting conversions from 25% to 42% • Analysed the impact for SMS based underwriting model aimed to improve bureau approval to underwriting success rate from 2.5% to 28%
I was responsible for managing the Group Communications Platform across the entire organization . - Handled the SMS vendor migration process after performance shortlisting from a group across 190+ countries resulting in estimated cost savings of $900k per year and uptick in SMS delivery rates from 91% to 96% - Built the email campaign setup flow within the GCS system for handling real time and adhoc email campaigns to be setup by the marketing and operations personnel. Expected FTE to be brought down from 5 to 2 and cost savings of $200k per year on sun setting external vendor tools.
Lendingkart is India's leading SME business loan provider having disbursed over 10,000+ crores across 4000 cities and towns . I was responsible for managing the product vision and roadmap for customer engagement and customer support teams. • Spearheaded the development of an Inbound calling IVR Program on integrating with Twilio Studio and Flex platform aimed at automating of customer support tickets raised and reducing manpower costs by 60 % per month. • Managed and automated the entire customer communication journey having transactional email, SMS, push notifications to engage with the customer and bring him back to the product, thus boosting funnel conversion (Improved additional login’s and direct document submissions) • Onboarded a WhatsApp Chatbot for filling up the business loan application form and doc collection generating a better lead conversion rate of 55% per chat triggered (i.e., from a daily customer base of 10k through re-engagement campaigns) when compared to 19% lead conversion in the landing pages. • Implemented the self-serving customer help centre having articles on generic customer queries with linkages to chat to agent and raise tickets to Zendesk support system leading to reduction in support queries .
Creditmantri is a financial marketplace providing personal loans, credit cards for India's under-utilized user segments and also offer credit improvement services for people who are struggling in their credit journey. • Spearheaded the adoption of an alternative data based B2B2C credit underwriting product for usage by Banks and NBFC’s, worked on refining the product roadmap in collaboration with sales team and in delivering new product features • Improved the overall lead approval rates bringing in additional revenues for a leading bank’s credit card product on building (with DS team) a lead scoring model through use of alternate data. • Decreased vendor costs by 35% on implementing an in-house API repository by consolidating data from different web sources.